Read in 2 minutes If you’re sick of the headaches and risks of being a landlord, you’re not alone. Many property owners imagine steady rent checks, but the reality of managing tenants and maintaining a property often feels more like a full-time job than pa...

Read in 3 minutes Owing more on your mortgage than your home is worth can feel overwhelming. Being “underwater” isn’t rare, but it often leaves homeowners thinking they’re trapped with no way out. The truth is, even without equity, you still have options. ...

Read in 2 minutes An empty house can quickly become a headache. Without someone living inside, a property is more vulnerable to damage, trespassing, and declining value. On top of that, many cities in Texas have code compliance rules for vacant properties—...

Read in 2 minutes Thinking about selling your current home so you can buy another? One factor that can make or break your plans is your Debt-to-Income ratio (DTI). Lenders use DTI to measure how much of your monthly gross income goes toward debt—including ...

Read in 2 minutes When it’s time to sell your home, your first thought might be lowering the price to attract more buyers. But lowering your price isn’t the only way—or even the best way—to maximize value. For some sellers, offering “subject to” financing ...

Read in 2 minutes Selling a home can feel like crossing a stream—each step matters if you want to reach the other side safely. If you’re considering a “subject to” sale, you may wonder: will this move stop me from buying another property down the road? The...

Read in 2 minutes You’re not alone if you feel like the real estate market is an uphill climb for sellers. You list your home, wait for showings, endure financing delays, and face repair requests that can stall the deal. The traditional selling process is...

Do you have multiple offers to buy your house and need to figure out which one is best? Congratulations! Often, this means your house is in demand, and you have some negotiating power. However, reviewing all the offers can be difficult, and it’s tough to d...

If you’re in a complex situation with your home or need to sell it fast, selling to a professional real estate investor can be a great choice. Reputable, experienced real estate investors can give you a fair offer and make selling your house quick and easy...

If you’re going through a divorce, it can be hard to navigate the many ramifications of keeping or selling your house. It’s likely that your home is one of the most valuable financial assets you have as a couple. Plus, your home carries a lot of emotional ...

Are you having trouble making your monthly mortgage payments and owe close to or more on your house than it’s worth? A short sale can be a great option for you! With a short sale, the lender agrees to accept less money for the house than what you owe. Bank...

You may have seen ads for companies that give you an instant offer over the internet for your house. These “iBuyers,” short for instant buyers, buy and sell homes the “Silicon Valley way”—using high-tech computer algorithms to generate fast offers. Many of...

Posted on April 20, 2020 Like many others, the coronavirus, also known as COVID-19, may have caused you to lose your job or suffer a loss of income. If you’re a homeowner, this loss can be devastating. It may prevent you from being able to pay your mortgag...

The worst way to lose a house is through a foreclosure. We call foreclosure “the atomic bomb of credit scars.” It cuts the deepest and lasts the longest. When something affects your credit negatively, it lowers your credit score, and the effects last for v...

The best way to temporarily stop a foreclosure up to the day before an auction, and when a homeowner does not need to otherwise declare bankruptcy, may be to file a Temporary Restraining Order (TRO).  A TRO is a legal order filed by an attorney on behalf o...

So, you need to sell your house. Selling in a market like today’s can sometimes be frustrating. With so many other houses on the market, it gives buyers out there more choices and sellers are often waiting 3, 6, 12+ months to sell their house for a price t...

The best way to stay in a home that you want to keep long-term may be a loan modification. This involves a lender modifying your payments so that you can afford to keep making them.  The modification could include lowering the interest rate so that the pay...

When you sell a house "subject-to," it means subject-to the existing mortgage on your property. The buyer agrees to make payments on the seller’s mortgage going forward in exchange for ownership of the property.  With a “subject-to” sale, your name and the...

As a buyer, getting a mortgage can be difficult if your financial situation doesn't fit the banks ever changing standards and neat little boxes—a predictable salary that can be documented with paycheck stubs and W-2 forms, a stable employment history with ...

Have a few questions? Most people selling their houses do. Here is a quick collection of some of the common questions we get. Who typically sells their house to Stone Property Buyers? We are here to help you solve your real estate problem and work with peo...

Missed payments on your mortgage usually signal to the lender you may be headed for default. Before you give the lender a reason to start foreclosure proceedings, seek alternatives, such as a payment plan, to catch up the loan.  Reinstating your loan means...

The best way to possibly avoid foreclosure after all else fails is to offer the lender a deed-in-lieu of foreclosure. A deed-in-lieu involves signing your deed over to your lender in exchange for the lender agreeing not to foreclose on the home. Although t...

The best way to temporarily stop a foreclosure up to the day before an auction, and when a homeowner has unsustainable debt beyond the home mortgage, may be to declare bankruptcy. A home cannot be sold or foreclosed on while in bankruptcy.  After you decla...

How would it change your life to be debt-free? If you’re like most people, it would open up a new range of possibilities and allow you to enjoy life more. There might be money hidden in your home. It’s not inside a rusted chest in the attic or buried in yo...

Selling a house that you’ve inherited can be filled with many emotions and challenges. That’s why it’s important to be prepared and avoid obstacles that might waste time, cost money, and inevitably cause frustration. Use these helpful tips to make the proc...

According to a recent survey, just 55 percent of Americans would handle a repair right away. What begins as a minor issue can quickly turn into a very expensive disaster if you put it off. As any homeowner can attest, your house is an investment that conti...

Inheriting a house can come with a mix of emotions. An inherited home can be a valuable asset for you and your family, but you also have to be prepared to make a number of challenging financial decisions. In the wake of a loved one's passing, these decisio...

The best way to keep a home when a homeowner has a temporary financial hardship is a forbearance plan.  A forbearance plan is an agreement made between a lender and the homeowner where the lender allows the homeowner to miss a couple of payments, or even f...

Did you know there are many different ways to sell your property that Realtors won't tell you about? Today, homeowners have many traditional and creative options for selling their property, and we have unique solutions and the experience and know-how to do...

More than 85 percent of homeowners facing foreclosure NEVER reach out to anyone for help!! Foreclosure damages your credit for years. You should not delay in taking action to avoid it. We call foreclosure "the atomic bomb of credit scars" because it cuts t...

Should you fix up your house or sell it as-is? This is one of those questions where the answer depends on a variety of factors. What budget are you working with? How much time can you allocate? Will it be bothersome to your living environment while repairs...

The best way to sell a property that is more than 15-30% under water, without having to pay off the shortage, is to negotiate a short sale. This is also one of the most common ways to sell a property in which the owner is already many months behind in paym...

According to the National Fire Protection Association, more than 350,000 U.S. homes were damaged by fires in 2016, resulting in $5.7 billion in damages. The pain and destruction caused by a house fire can be traumatic. In addition to the loss of priceless ...